Expensify (EXFY) Interest Coverage Ratio (2020 - 2025)
Expensify (EXFY) reported Interest Coverage Ratio of 3.65 for Q4 2025, down 128.25% on a YoY basis from 12.92 in Q4 2024, and down 255.66% sequentially from 1.03 in Q3 2025.
Expensify (EXFY) Interest Coverage Ratio (2020 - 2025) Analysis & Trends
Expensify (EXFY) has 6 years of Interest Coverage Ratio data on file, last reported at 3.65 in Q4 2025.
- For the quarter ending Q4 2025, Interest Coverage Ratio fell 128.25% year-over-year to 3.65; the trailing twelve-month figure through Mar 2026 stood at 16.6 (down 6441.53% YoY), and the FY2025 full-year result was 1.27, down 1425.64% from the prior year.
- Interest Coverage Ratio slipped to 3.65 in Q4 2025, from 1.03 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 37.49 in Q2 2021 to a low of 74.49 in Q3 2023.
- A 5-year average of 8.45 and a median of 3.65 in 2025 frame the typical range for Interest Coverage Ratio.
- Across the five-year window, Interest Coverage Ratio jumped 432.3% in 2024 and slumped 9334.83% in 2025, its largest moves.
- Tracing EXFY's Interest Coverage Ratio over 5 years: stood at 22.71 in 2021, then surged by 97.41% to 0.59 in 2022, then plunged by 561.35% to 3.89 in 2023, then jumped by 432.3% to 12.92 in 2024, then tumbled by 128.25% to 3.65 in 2025.
- Business Quant data shows EXFY's Interest Coverage Ratio at 3.65 in Q4 2025, 1.03 in Q3 2025, and 2.25 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 208.91 Bn | 189.27 Bn | 8.16 Bn | -9.39 |
| 2 | Full Truck Alliance | 188.77 Bn | 186.13 Bn | - | - |
| 3 | Shopify | 145.98 Bn | 140.23 Bn | 1.55 Bn | 1.00 |
| 4 | Uber Technologies | 141.48 Bn | 140.44 Bn | 5.95 Bn | 10.68 |
| 5 | Salesforce | 128.51 Bn | 116.67 Bn | 8.56 Bn | 0.80 |
| 6 | ServiceNow | 98.38 Bn | 93.20 Bn | 2.82 Bn | 0.15 |
| 7 | Automatic Data Processing | 97.56 Bn | 94.34 Bn | 2.87 Bn | -2.54 |
| 8 | Snowflake | 91.55 Bn | 88.59 Bn | 926.45 Mn | -6.14 |
| 9 | Cadence Design Systems | 89.91 Bn | 88.50 Bn | 1.41 Bn | 7.54 |
| 10 | Expensify | 163.07 Mn | 96.54 Mn | 16.17 Mn | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -3.65 |
| Sep 30, 2025 | -1.03 |
| Jun 30, 2025 | -2.25 |
| Dec 31, 2024 | 12.92 |
| Sep 30, 2024 | 0.03 |
| Jun 30, 2024 | 0.02 |
| Mar 31, 2024 | -3.95 |
| Dec 31, 2023 | -3.89 |
| Sep 30, 2023 | -74.49 |
| Jun 30, 2023 | -6.99 |
| Mar 31, 2023 | -1.92 |
| Dec 31, 2022 | -0.59 |
| Sep 30, 2022 | -28.59 |
| Jun 30, 2022 | -19.87 |
| Mar 31, 2022 | -18.13 |
| Dec 31, 2021 | -22.71 |
| Sep 30, 2021 | -39.02 |
| Jun 30, 2021 | 37.50 |
| Mar 31, 2021 | 15.96 |
| Dec 31, 2020 | 5.91 |